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C&

Citizens & Northern Corporation (CZNC)

NASDAQ • Financial Services

$27.75
+$1.1 (+4.2%)
Market closed

Last close at October 23, 2026 at 20:00 UTC

Open$26.64
Day Range$26.64 - $27.78
Avg. Volume (3M)61.3K
Market Cap$497.6M
P/E Ratio14.0
52 Week Range
$18.87$27.78
Next EarningsIn 88 daysJan 21, 2027

Metrics Over Time

Where the Money Goes

Q3 2026
Revenueeverything earned$51.6M100%
Gross Profitminus cost of goods$42.7M83%
Operating Incomeminus R&D and overhead$20.4M40%
Net Incomeminus taxes and the rest$16.2M32%

In plain terms: out of every $100 in revenue, Citizens & Northern Corporation keeps $32 as net profit.

Fundamentals & Financials

Revenue (TTM)
$175.5M
Net Income (TTM)
$35M
EPS (TTM)
$1.98
ROA (TTM)
1.11%
Current Ratio
0.23
Dividend Yield
1.12%

TTM is calculated as the sum of the four most recently completed quarters. This is a standard approach when monthly or real-time data is not available.

Earnings

-96.6%Q2 2026$0.02
+25.4%Q3 2026$0.79
+35.3%Q4 2026$0.92
Next

Jan 21

in 88 daysQ1 2027

% — EPS deviation from the forecast (beat / miss); quarters without a forecast show the reported EPS

Latest report — Q4 2026
Beat +35.3%

Citizens & Northern topped consensus on both the top and bottom line in the third fiscal quarter of 2026, based on preliminary results reported October 22, 2026, with EPS of $0.92 topping the $0.68 estimate (+35.3%) and revenue of $42.3 million topping the $37.2 million estimate (+13.6%). Net income surged +149% year over year to about $16.3 million, up from roughly $6.6 million a year ago, while EPS rose +96% from $0.47. The bank generated about $42.3 million of revenue for the quarter. Looking ahead, next-period consensus calls for EPS of $0.68 on revenue of $37.6 million.

View full earnings history

About Citizens & Northern Corporation

Citizens & Northern Corporation trades on the NASDAQ Capital Market under the ticker CZNC and operates as a regional bank holding company in the financial services sector. As the holding company for Citizens & Northern Bank, it provides banking services and mortgage services across Pennsylvania and New York State and recorded $154.2 million of revenue in FY2025.

Name
Citizens & Northern Corporation
CEO
J. Bradley Scovill
Website
www.cnbankpa.com
Industry
Financial Services
Year Founded
1864
Employees
460

Today's Snapshot

AI-generated

The day ended with CZNC 4.2% higher at 27.75, outperforming a weaker sector. Shares changed hands at about half as much again as its usual level.

Trading Volume

Above 10d avg 69.1K

113.4K

vs S&P 500 Today

Strong Outperformance

+4.69%

Updated: October 23, 2026 at 20:16 UTC

Technical Indicators

6 Buy0 Neutral2 Sell
CZNC shows balanced but mixed signals that justify a neutral view, as price is above its short, medium and long moving averages and OBV supports accumulation while MACD and momentum are constructive. Conversely, several oscillators are overbought and ADX indicates only modest trend strength, and Bollinger Bands imply the stock is near elevated levels versus its recent range. Volatility remains moderate and the pivot sits below the current price. Technical takeaway: Neutral.
All signals
  • EMA (5 indicators)$23.45 - $26.04
    Buy
  • RSI (14)76.29
    Sell
  • Stochastic %K (14, 3, 3)91.67
    Sell
  • MACD Level (12, 26)0.25
    Buy

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CFFIC&F Financial Corporation
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